Received one month of complementary insurance upon adopting our dog from the AZ Animal Welfare League. Shelter vet noted anal irritation before we adopted him.
About 2 weeks after adoption, we took him in to our own vet because he seemed "off" and it was discovered he had Kennel Cough and required antibiotics and oral steriods to treat. Claim was denied due to preexisting conditions clause.
Yep, the fact that my vet noted his ongoing anal irritation (which was not on the claim) disqualified our claim.
Filing claim was cumbersome, and processing took almost 4 weeks.
Glad I did not wast a dime on this company.